World2Cover

Heading abroad? Compare World2Cover Travel Insurance and see if it's the right policy for you

World2Cover, part of the Tokio Marine Group, has been offering insurance solutions since 1879 and has been in Australia since 1963. World2Cover offers three levels of travel insurance cover: Basic, Essential and Top. World2Cover also offers a domestic policy.

World2Cover also offers optional ski and winter sports cover if you’re planning a holiday in the snow and need specialised protection.

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Who underwrites World2Cover Travel Insurance?

The insurer and issuer of World2Cover Travel Insurance is Tokio Marine & Nichido Fire Insurance Co Ltd. Tokio Marine opened its doors in 1879 and now has operations in more than 39 countries around the world. It boasts more than 40,000 employees and has a history in Australia dating back to 1963.

World2Cover Travel Insurance policies

Top Cover

  • Suited to travellers who want the highest level of peace of mind or who are taking a long holiday and have many bookings
  • Includes unlimited cover for overseas medical and hospital expenses (including evacuation) and 24/7 global emergency assistance
  • Includes unlimited cover for cancellation fees and lost deposits
  • Covers luggage and personal belongings, rental vehicle excess, accidental death, funeral expenses, cancellations as a result of strikes, and much more

Essentials Cover

  • This mid-level policy combines a broad selection of commonly used benefits at an affordable price.
  • Includes unlimited cover for overseas medical and hospital expenses (including evacuation) and 24/7 global emergency assistance
  • Includes $25,000 of cover for cancellation fees and lost deposits
  • $7,500 of cover for lost, stolen or damaged luggage
  • Other benefits include accidental death, funeral expenses, rental vehicle excess, travel agent fees, travel documents and personal liability

Basics Cover

  • This entry-level policy is designed for overseas travellers who only want basic cover for a handful of key risks.
  • Ideal for travellers who want the most cost-effective policy option
  • Includes unlimited emergency medical and evacuation cover and 24/7 global emergency assistance
  • Covers cash in hospital, overseas dental expenses, overseas funeral expenses, luggage, emergency expenses and legal liability

Domestic Cover

  • Designed for travel within Australia, this policy does not include any medical cover.
  • Includes the most popular travel insurance features, including $25,000 of cover for cancellation fees and lost deposits and $25,000 of cover for emergency expenses
  • $7,500 of cover for lost, stolen or damaged luggage
  • Other benefits cover travel agent fees, luggage delay, personal money, accidental death and disability, rental vehicle excess, legal liability and travel delay

Ski Cover

  • Available as an option on Essentials Cover, Top Cover and Domestic Cover for an extra premium
  • Covers the accidental loss, theft or damage of your skiing equipment, as well as the cost of purchasing a new ski pass if yours is lost or stolen
  • Covers unused ski passes, ski hire, tuition fees or lift passes when you are unable to use them due to illness or injury
  • Covers lift and piste closure as well as travel to an alternative resort if you’re unable to ski at your pre-booked resort
  • Includes cover for bad weather and avalanche and provides protection for 15 winter sports activities
CoverBasicEssentialTop
Accidental Death$15,000 per person$25,000 per person
Accidental Disability$15,000 per person$25,000 per person
Cancellation Fees$500$1,000
Cancellation Fees and Lost Deposit *$25,000Unlimited**
Cash in Hospital$1,500$3,500$6,000
Domestic Pets *$650
Domestic Service *$1,500
Emergency Expenses *$5,000$25,000Unlimited
Financial Default *$5,000$10,000
Funeral Expenses Overseas$10,000 per person$15,000 per person$20,000 per person
Highjack and Kidnap$5,000 per person$10,000 per person
Loss of Income$5,200$10,400
Luggage *$2,000$7,500$15,000
Luggage Delay$500$750
Overseas Dental$500$2,000$2,000
Overseas Medical and HospitalUnlimitedUnlimitedUnlimited
Personal Liability$10,000,000$10,000,000$10,000,000
Personal Money$250$500
Rental Vehicle Excess *$4,000$5,000
Resumption of Travel$1,500$3,000
Special Events$2,000$5,000
Travel Agent Fees$2,000$4,000
Travel Delay *$1,500$3,000
Travel Documents$1,500$3,000
Optional Cover – Ski and Winter Sports - Equipment Hire$1,000$2,000
Optional Cover – Ski and Winter Sports - Ski Pack$500$1,000
Optional Cover – Ski and Winter Sports - Piste Closure*$500$1,000
Optional Cover – Ski and Winter Sports - Bad Weather and Avalanche$500$1,000
Optional Cover – Ski and Winter Sports - Lift Pass$250$500

*Sub-limits may apply

Benefits available on World2Cover Travel Insurance policies

  • Cancellation fees and lost deposits. When you need to cancel or abandon your trip due to circumstances outside your control, such as the death of a family member or a job loss, World2Cover will cover your non-refundable deposits and any cancellation fees.
  • Overseas medical, dental and related expenses. If you’re hospitalised overseas, you can be covered for your medical, surgical, hospital and ambulance transportation costs, while limited cover is also available for emergency dental expenses. Medical evacuation is covered if required, while a hospital cash allowance is also offered to cover your out-of-pocket expenses while in hospital.
  • Luggage and personal money. This benefit provides cover for lost, stolen or damaged luggage and personal belongings as well as for money stolen from your person.
  • Emergency expenses. This benefit covers additional accommodation, meal and travelling expenses when your trip is disrupted due to a range of reasons, such as a stolen passport, natural disaster or you being declared medically unfit to travel. Cover is also available for the cost of resuming your trip after you are forced to return to Australia and to get you to a pre-arranged special event on time (such as a wedding) following an unexpected travel delay.
  • Accidental death. A lump-sum benefit is payable if you die as a result of an accidental injury or a terrorist act during your trip.
  • Accidental disability. You will be covered if you suffer an accidental injury during your trip that leads to you becoming totally and permanently disabled.
  • Legal liability. This benefit offers financial protection if you injure someone else or damage their property during your journey.
  • Rental vehicle excess. If your rental car is stolen, maliciously damaged or involved in a collision, World2Cover will reimburse you the cost of the rental vehicle insurance excess.
  • Loss of income. When an injury or illness suffered during your trip leads to you being disabled and unable to return to work following your trip, you will receive a benefit for lost income.
  • Financial default. This benefit provides cover in the event that a travel service provider defaults and you incur costs to rearrange or cancel your trip.
  • Domestic pets. If your return to Australia is delayed by a covered event, World2Cover covers the cost of additional boarding kennel or cattery fees. Cover is also available if your pet suffers an injury during your journey and needs veterinary treatment.
  • Domestic services. If you’re injured during your journey and still disabled when you return home, this benefit will help cover the cost for housekeeping services you are unable to perform yourself.
  • Travel delay. When your scheduled transport is delayed by at least six hours due to circumstances beyond your control, World2Cover will pay for your additional accommodation, meal and travelling expenses.
  • Hijack and kidnap. This policy feature ensures that a benefit is paid if you are the victim of a hijacking or kidnapping.

Additional cover available 

  • Ski and winter sports cover. If you’re taking a skiing or snowboarding holiday, you can purchase this optional cover with Essentials Cover, Top Cover and Domestic Cover policies. It covers you for lost or stolen equipment, stolen ski passes, ski lift closure and more. You can find additional details about what this optional extra covers above.
  • Excess eliminator. If you’re happy to pay an additional premium when you purchase your World2Cover travel insurance policy, you can remove all excesses from your policy.

Pre-existing medical conditions

When you apply for travel insurance with any provider, including World2Cover, you need to declare any pre-existing medical conditions upfront. Failing to do so could lead to future claims being rejected and the insurer cancelling your policy. Pre-existing conditions include any medical conditions or symptoms that you are aware of, any condition for which you take prescribed medicine or any condition for which you have had surgery.

There are 44 pre-existing conditions that World2Cover automatically covers, including asthma, allergies, diabetes, epilepsy and hypothyroidism. You can find a full list of covered conditions in the product disclosure statement (PDS).

If your condition is not included in this list, or if it has caused you to be hospitalised in the past 24 months, World2Cover will not pay any claims for overseas medical expenses or for cancellation fees and lost deposits. In addition, if you have a history of cardiovascular disease, conditions such as diabetes, hypertension, hypercholesterolaemia and hyperlipidaemia will be excluded (they would otherwise be covered).

World2Cover claims

If you need emergency assistance while travelling, you can phone World2Cover’s emergency assistance line from anywhere in the world. In other circumstances, the quickest way you can make a claim is by using the insurer’s online claim lodgement system. Once you’ve created an account, you can provide the full details of your claim by answering all the relevant sections of the online claim form. Once submitted, your claim will be assessed within 10 working days.

Alternatively, you can also lodge a claim with World2Cover by phone, email or post. You can find these contact details on the insurer’s website.

If further details or documentation are required to process your claim, World2Cover will contact you during the claims handling process.

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